政策性中小企业信用担保机构的比较优势:菏泽案例

Analysis on Comparative Advantages of Policy-based Small and Medium-sized Enterprise Credit Guarantee Institution:Case of Heze

由于被担保企业的脆弱性、信用担保对信贷市场的高度依附性以及强势银行对担保机构的挤压效应,信用担保机构的可持续性一直备受争议。而政策性担保机构依托政府背景,有效克服了被担保企业的道德风险,同时由于其拥有政府支持的"软实力",使得在提供担保之前的遴选和在企业担保契约履行监督上更具效率。

Because of the vulnerability of guaranteed enterprise,the high dependence on the credit market of credit guarantee,as well as the banks squeeze effect to credit guarantee institutions,the sustainability of the credit guarantee company has been disputed.But the policy-based credit guarantee institution with the governmental background evades effectively moral risk of guaranteed enterprises.Meanwhile the government’s ＂soft power＂ improves its efficiency on enterprise’s choosing before providing assurance and supervision over enterprises.